💳 Factor Rate (1.15-1.45), Daily Holdback % & Effective Annualized APR

Merchant Cash Advance (MCA) Factor Rate & True APR Calculator

Calculate the true annualized cost of Merchant Cash Advances (MCAs): input advance funding amount, factor rate (1.15 to 1.45), daily ACH holdback percentage from credit card receivables, and uncover the real annualized APR (often 40% to 150%+).

1. Project & Operating Inputs

Cash Advance Amount Funded ($)

Factor Rate (Multiplier e.g. 1.28)

Estimated Payoff Duration (Months)

Average Monthly Business Revenue ($ / Month)

2. Financial Breakdown & Yield

TRUE MCA FACTOR RATE & APR DISCLOSURE

Total Advance Payback

True Annualized APR

0.0%

Gross Revenue / Bill

Total Project CapEx

Operating / Material Cost